UK Hub
This page refers to payments instructed from the UK Hub
The cut-off times refer to UK operating hours, Monday to Friday, unless specified otherwise, aligned with the applicable time zone – either GMT or GMT+1 during Daylight Saving Time (BST – British Summer Time).
T+0 means that payments instructed before the cut-off time are delivered on the same day. T+1 means that they are delivered on the next business day. T+2 means that they are delivered two business days later.
Superscript numbers, for example ¹, refer to notes after the table.
All payments are subject to rules. For more information, see Rules.
UK domestic payments coverage
A payment is classified as domestic when it is sent in its native currency to that currency's home country (for example, GBP to the UK) and Vitesse can route the payment through a local banking or partner network.
By routing payments through our domestic payment networks, Vitesse delivers the full payment amount to the beneficiary without deductions from correspondent or intermediary banks.
Some currencies require structured recipient addresses.
For the current requirements and implementation dates, see Prepare for ISO 20022 address changes. For formatting guidance, see Structured addresses.
| Country | Currency | Cut off time | Expected delivery |
|---|---|---|---|
| United Kingdom ¹ | GBP | Real Time | Real Time |
| SEPA region ² | EUR | Real Time 14:15 (other) | Real Time T+0 (other) |
| United States ³ | USD | 01:30 (21:30 EST of previous day) Postal Checks: 14:00 CST | T+0 T+0 (print and mail) |
| Canada ⁴ | CAD | 16:00 | T+0 |
| Argentina | ARS | 13:45 | T+0 |
| Australia | AUD | 7:00 | T+0 |
| Bolivia | BOB | 14:30 | T+0 |
| Bosnia and Herzegovina ⁵ | BAM | 13:00 | T+2 |
| Brazil ⁶ | BRL | Real Time (PIX) 14:30 (other) | Real Time (PIX) T+0 (other) |
| Cambodia | KHR | 16:30 | T+1 |
| Central Africa ⁷ | XAF | Real Time | Real Time |
| Chile | CLP | 11:50 | T+1 |
| Colombia | COP | 14:30 | T+1 |
| Costa Rica | CRC | 14:30 | T+0 |
| Denmark | DKK | Real Time | Real Time |
| Dominican Republic | DOP | 17:30 | T+1 |
| Ecuador | USD | 15:00 | T+0 |
| El Salvador | USD | 15:30 | T+0 |
| Ghana | GHS | Real Time | Real Time |
| Guatemala | GTQ | 15:30 | T+0 |
| Honduras ⁸ | HNL | 14:30 | T+0 |
| Hong Kong | HKD | 07:00 | T+1 |
| Hungary | HUF | 13:30 | T+0 |
| India ⁹ | INR | Real Time | Real Time |
| Indonesia | IDR | 09:00 | T+0 |
| South Korea | KRW | Real time | Real time |
| Kenya | KES | 11:00 | T+0 |
| Laos | LAK | 13:00 | T+2 |
| Malaysia | MYR | 04:15 | T+1 |
| Mexico | MXN | 12:30 | T+2 |
| Morocco | MAD | 12:30 | T+1 |
| Nepal | NPR | 11:00 | T+1 |
| New Zealand | NZD | 10:30 | T+0 |
| Nicaragua | NIO | Real time | Real time |
| Norway | NOK | 17:00 | T+0 |
| Paraguay | PYG | 14:30 | T+1 |
| Peru | PEN | 14:30 | T+1 |
| Philippines ¹⁰ | PHP | 10:30 | T+1 |
| Poland ² | PLN | 12:30 | T+0 |
| Romania | RON | 12:00 | T+0 |
| Singapore | SGD | 07:00 | T+0 |
| South Africa | ZAR | 14:00 | T+0 |
| Sri Lanka | LKR | 12:00 | T+0 |
| Sweden ¹¹ | SEK | 11:00 | T+0 |
| Tajikistan | TJS | 14:00 | T+2 |
| Thailand ¹² | THB | 8:00 | T+0 |
| Turkey | TRY | 12:00 | T+0 |
| United Arab Emirates | AED | 09:30 | T+1 |
| Uruguay | UYU | 12:45 | T+0 |
- Includes the Crown Dependencies.
- SEPA region includes: Åland Islands, Austria, Azores, Belgium, Bulgaria, Canary Islands, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, French Guiana, Germany, Gibraltar, Greece, Guadeloupe, Guernsey, Hungary, Iceland, Ireland, Isle of Man, Italy, Jersey, Latvia, Liechtenstein, Lithuania, Luxembourg, Madeira, Malta, Martinique, Mayotte, Monaco, Netherlands, Norway, Poland, Portugal, Réunion, Romania, Saint Barthélemy, Saint Martin (French part), Saint Pierre and Miquelon, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom.
- Vitesse routes payments sent to a non-ACH reachable ABA code through SWIFT.
- Vitesse routes payments over CAD 50,000 through SWIFT, which may affect value dates.
- Vitesse settles BAM payments in EUR. The beneficiary can withdraw the funds in BAM or EUR, subject to their bank's services.
- Provide supporting documentation for payments over £10,000 (or equivalent) to satisfy local compliance requirements in Brazil. Vitesse cannot settle the payment until it receives the required documentation.
- Includes Cameroon, Central African Republic, Chad, Republic of the Congo, Equatorial Guinea and Gabon. The beneficiary may need to provide supporting documentation to comply with local Exchange Control Regulations.
- Obtain pre-approval before submitting the payment.
- Vitesse does not support payments to INR-denominated accounts held outside India.
- Vitesse routes payments of PHP 2,500,000 or more to private individuals, and PHP 5,000,000 or more to corporate beneficiaries, through SWIFT, which may affect value dates.
- For domestic Swedish payments, BankGiro and PlusGiro payments are available as alternative routes to bank transfer payments. Submit payments by 08:30 to achieve same-day delivery.
- Vitesse routes payments of THB 50,000 or more through SWIFT, which may affect value dates. See SWIFT coverage below.
SWIFT payments coverage
Vitesse uses SWIFT when a payment is sent outside the currency's domestic country (for example, GBP to the US, or outside the SEPA region for EUR) or when domestic payment coverage is unavailable through our bank and partner network.
SWIFT provides global payment coverage where domestic networks are not available.
Some currencies require structured recipient addresses.
For the current requirements and implementation dates, see Prepare for ISO 20022 address changes. For formatting guidance, see Structured addresses.
We instruct all SWIFT payments to arrive in the beneficiary's account for the full payment amount. However, because intermediary and beneficiary banks apply their own policies and fees, Vitesse cannot guarantee that the beneficiary bank will not deduct charges from the payment.
| Currency Name | Currency Code | Cut-off time | Expected Delivery |
|---|---|---|---|
| Albanian Lek | ALL | 15:30 | T+1 |
| Algerian Dinar | DZD | 13:00 | T+2 |
| Armenian Dram | AMD | 13:00 | T+2 |
| Australian Dollar | AUD | 14:00 | T+1 |
| Azerbaijani Manat | AZN | 16:00 | T+1 |
| Bahamian Dollar ¹ | BSD | 16:00 | T+2 |
| Bahraini Dinar | BHD | 16:00 | T+2 |
| Bangladeshi Taka ² | BDT | 17:00 | T+1 |
| Barbadian Dollar | BBD | 00:45 | T+0 |
| Bermudian Dollar | BMD | 13:00 | T+2 |
| Botswana Pula | BWP | 09:15 | T+2 |
| British Pound Sterling | GBP | 17:00 | T+0 |
| Cambodian Riel | KHR | 16:30 | T+1 |
| Canadian Dollar | CAD | 08:45 | T+0 |
| Cape Verdean Escudo | CVE | 13:00 | T+2 |
| Cayman Islands Dollar | KYD | 13:30 | T+1 |
| Central African CFA Franc | XAF | 16:30 | T+1 |
| Chinese Yuan Renminbi ³ | CNY | 13:00 | T+2 |
| Czech Koruna | CZK | 13:30 | T+1 |
| Danish Krone | DKK | 11:30 | T+0 |
| Djiboutian Franc | DJF | 13:00 | T+2 |
| East Caribbean Dollar | XCD | 16:00 | T+2 |
| Egyptian Pound | EGP | 16:00 | T+1 |
| Ethiopian Birr | ETB | 15:30 | T+1 |
| Euro | EUR | 14:30 | T+0 |
| Fijian Dollar | FJD | 16:00 | T+2 |
| Georgian Lari | GEL | 15:30 | T+1 |
| Ghanaian Cedi | GHS | 08:45 | T+1 |
| Guyanese Dollar | GYD | 13:00 | T+2 |
| Hong Kong Dollar | HKD | 15:30 | T+1 |
| Hungarian Forint | HUF | 09:00 | T+1 |
| Icelandic Króna | ISK | 16:30 | T+1 |
| Indian Rupee ⁴ | INR | 15:00 | T+2 |
| Israeli New Shekel | ILS | 14:00 | T+1 |
| Jamaican Dollar | JMD | 16:00 | T+2 |
| Japanese Yen | JPY | 15:30 | T+1 |
| Jordanian Dinar | JOD | 13:30 | T+2 |
| Kazakhstani Tenge | KZT | 16:00 | T+1 |
| Kenyan Shilling | KES | 05:30 | T+2 |
| Kuwaiti Dinar | KWD | 14:00 | T+1 |
| Macanese Pataca | MOP | 16:30 | T+1 |
| Malagasy Ariary | MGA | 13:00 | T+2 |
| Mauritian Rupee | MUR | 16:30 | T+1 |
| Mexican Peso | MXN | 23:15 | T+0 |
| Mongolian Tögrög | MNT | 12:30 | T+2 |
| Mozambican Metical | MZN | 15:30 | T+1 |
| Namibian Dollar | NAD | 12:30 | T+2 |
| New Taiwan Dollar ⁵ | TWD | 16:30 | T+2 |
| New Zealand Dollar | NZD | 15:00 | T+1 |
| Nigerian Naira | NGN | 16:00 | T+2 |
| Norwegian Krone | NOK | 11:15 | T+1 |
| Omani Rial | OMR | 16:00 | T+2 |
| Pakistani Rupee | PKR | 16:00 | T+2 |
| Papua New Guinean Kina | PGK | 13:00 | T+2 |
| Philippine Peso | PHP | 08:15 | T+1 |
| Polish Złoty | PLN | 11:30 | T+0 |
| Qatari Riyal | QAR | 12:30 | T+1 |
| Romanian Leu | RON | 09:00 | T+1 |
| Rwandan Franc | RWF | 16:00 | T+1 |
| Samoan Tala | WST | 9:00 | T+1 |
| Saudi Riyal | SAR | 12:30 | T+1 |
| Serbian Dinar | RSD | 16:00 | T+2 |
| Seychellois Rupee | SCR | 15:30 | T+0 |
| Singapore Dollar | SGD | 15:30 | T+1 |
| South African Rand | ZAR | 09:45 | T+0 |
| Sri Lankan Rupee | LKR | 08:15 | T+1 |
| Surinamese Dollar | SRD | 13:00 | T+2 |
| Swazi Lilangeni | SZL | 13:00 | T+2 |
| Swedish Krona | SEK | 11:15 | T+1 |
| Swiss Franc | CHF | 11:45 | T+0 |
| Tajikistani Somoni | TJS | 14:00 | T+2 |
| Tanzanian Shilling | TZS | 13:00 | T+2 |
| Thai Baht | THB | 08:45 | T+1 |
| Tongan Paʻanga | TOP | 13:00 | T+2 |
| Tunisian Dinar | TND | 16:00 | T+2 |
| Turkish Lira | TRY | 09:15 | T+0 |
| Ugandan Shilling | UGX | 16:00 | T+2 |
| United Arab Emirates Dirham | AED | 13:30 | T+2 |
| United States Dollar | USD | 16:00 | T+0 |
| Vietnamese đồng ⁶ | VND | 07:00 | T+1, Monday to Friday |
| West African CFA Franc ⁷ | XOF | 16:00 | T+1 |
| Zambian Kwacha | ZMW | 15:30 | T+1 |
- Provide documentation evidencing the source of funds to comply with Central Bank requirements.
- The beneficiary bank may request supporting documentation to verify the beneficiary's identity and the purpose of the payment.
- Ensure the beneficiary is authorised by their bank to receive cross-border CNY payments. Payments to onshore beneficiaries are subject to local regulations, and are heavily restricted.
- Vitesse does not support payments to INR-denominated accounts held outside India.
- The beneficiary must submit an Inward Remittance Declaration and supporting documentation to their bank confirming the purpose of the remittance. For payments over TWD 500,000, include the beneficiary's contact details. If the beneficiary bank does not receive the required FX declaration forms within 28 calendar days of the value date, it will automatically cancel the payment. Vitesse does not support payments to accounts held with Chunghwa Post.
- Submit payments over VND 300,000,000 by 00:00 (midnight), with expected delivery T+2, Monday to Friday.
- Includes Benin, Burkina Faso, Côte d'Ivoire, Guinea-Bissau, Mali, Niger, Senegal and Togo.
Updated 9 days ago